86
Stack Score
Best for
US startups and mid-market finance teams who want cards, bill pay, expense, and travel in one free or low-cost platform.
At a glance
- Pricing
- freemium
- Setup time
- 1 hour
- Learning curve
- easy
- Last verified
- 5/19/2026
What we love
- ✓Free for the card and expense product — revenue from interchange
- ✓Best-in-class auto-coding from receipts and emails
- ✓Single platform replaces cards, AP, expense, and travel
- ✓Generous cashback or 1.5% bill pay discount
Where it falls short
- −US-only — limited support for international entities
- −Card limits and underwriting are conservative for younger startups
- −Plus tier required for advanced approvals and procurement
Pricing
✓ Pricing verified Jun 21, 20262 tiers
Free
CA$0
monthly per user
- ✓Unlimited CAD and USD cards
- ✓Auto-receipt collection and matching
- ✓Employee repayments
- ✓Automated invoice extraction (OCR)
- ✓QuickBooks Online and Xero integrations
Plus
CA$15
monthly per user
- ✓AI-driven expense reviews
- ✓Auto-coded line items
- ✓Automated batch payments
- ✓NetSuite, Sage Intacct integrations
- ✓HRIS-based advanced rules
Why we picked it
Used daily for corporate card management. The AI categorization is genuinely good.
Overview
Corporate card with AI-powered expense categorization, bill pay, and procurement controls. Strong for growth-stage SMBs.
Key features
- ●Corporate cards with category and vendor controls
- ●Bill pay with AI invoice extraction and approvals
- ●Expense management with auto-coded receipts
- ●Procurement with intake forms and approval routing
- ●Travel booking integrated with policies and reporting
- ●Treasury account with yield on operating cash
- ●Native ERP sync — NetSuite, QuickBooks, Sage Intacct, Xero
Best use cases
Startup expense stack
Issue cards, automate AP, and close expenses without paying for Brex, Expensify, and Bill.com separately.
Mid-market consolidation
Move off legacy T&E plus AP tools to one platform with stronger AI coding and policy enforcement.
Cash optimization
Park operating cash in Ramp's treasury account at competitive yield while staying liquid.
Integrations
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